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Personal loan for electric cars and energy efficient purposes
Looking to get a personal loan for a new, second-hand hybrid or electric car? Or perhaps you’re hoping to lower your energy costs by installing solar panels and a battery pack at home? An ANZ Personal Loan could be the answer.
A personal loan for what you need. $500 cashback for what you want.disclaimer
Apply for a new ANZ Personal Loan of $10,000 or more and you could get $500 cashback.disclaimer Limited time offer.
Limited to one cashback offer per loan per customer within an 18 month period. ANZ’s eligibility and credit assessment criteria, T&Cs, fees and charges apply.disclaimer
Borrow up to $50,000
Borrow a specific amount between $5,000 and $50,000 (subject to approval).
Greater flexibility
Choose a loan term from 1 to 7 years, with weekly, fortnightly, or monthly repayment options.
Personalised rates
Get a personalised interest rate with an ANZ Fixed Rate Loan or an ANZ Variable Rate Loan based on your credit history.
No assets needed
ANZ Personal Loans are unsecured, which means you don’t have to provide an asset, such as your car, as security.
Same-day cash
Get same-day cash when you apply and are approved in-branch by midday, Monday to Friday.disclaimer Deposited into your existing ANZ everyday account.
No early repayment fees
No penalties for making extra repayments or paying off your loan early with an ANZ Variable Rate Loan. Plus, redraw available if you’re ahead on payments.
Repayment certainty
Know what your repayments will be and protect yourself from interest rate movements for the life of the loan with an ANZ Fixed Rate Loan.
Online convenience
Track your balance and make repayments 24/7 with ANZ Internet Banking or via the ANZ App.disclaimer
Estimate your personalised interest rate
We tailor our interest rates based on our assessment of your credit score. With a better credit score, you could enjoy one of our lower interest rates.disclaimer This tool will also help you estimate your loan repayments if you buy using an ANZ Personal Loan.
Calculate how much you could borrow
Get an indication of how much you may be able to borrow based on your income and expenses. Please note this is an estimate only and your full borrowing amount will only be made available in your Letter of Offer.
Choose a personal loan that works for you
If you want your loan repayments to stay the same – even if interest rates change – then an ANZ Fixed Rate Loan could be for you.
If you're looking for flexibility – such as paying off your loan sooner with no exit fees – then an ANZ Variable Rate Loan could be for you.
Check your eligibility
To be eligible for an ANZ Personal Loan you must:
- be at least 18 years old;
- earn a minimum of $15,000 per annum; and
- be an Australian citizen, permanent resident, or have a valid visa.
Read up on the eligibility criteria and documentation we’ll need for each type of loan.
Factor in your set-up costs
While embracing a more energy efficient lifestyle is certainly the way forward, you need to factor in your set-up costs and how long before you get a return on your investment.
For example, if it’s your forever home, then it may make sense to install solar panels and batteries, which could potentially lower your carbon footprint and save you money in the long term.
But if you’re planning to upsize or downsize in the next few years, it may pay to wait.
Apply for a personal loan
Here's what you need to apply:
- details of your income, expenses, assets and liabilities
- your driver's licence, ANZ Account Number or Customer Registration Number (if you have them)
If you're new to ANZ, you’ll need any two of your Australian driver's licence, Medicare card, Australian passport, or Australian visa.
ANZ Fixed Rate Loan
I need stability
Features
- Borrow between $5,000 and $50,000
- Loan term of 1 to 7 years
- Certainty your repayments won’t change even if rates increase as you’ve locked in a fixed interest rate
Things to consider
- Early repayment charges may apply if you make early or extra repayments, repay your loan early or increase your loan amountdisclaimer
- No access to extra money paid (redraw)
Our fixed rates
Interest rate range from to disclaimer
Comparison rate range to disclaimer
The better your credit score, the better your personalised rate (if approved).disclaimer
The interest rate range shows the minimum and maximum interest rate that may apply. Your personalised interest rate will be confirmed in your Letter of Offer (if approved).
Apply for a new ANZ Personal Loan of $10,000 or more and you could get $500 cashback.disclaimer
Limited to one cashback offer per loan per customer within an 18 month period. ANZ’s eligibility and credit assessment criteria, T&Cs, fees and charges apply.disclaimer
ANZ Variable Rate Loan
I need flexibility
Features
- Borrow between $5,000 and $50,000
- Loan term of 1 to 7 years
- Ability to make early or extra repayments, or repay your loan early, without additional costs
- Flexibility to increase your loan (subject to credit assessment)
- Access to extra money paid (redraw)disclaimer
Things to consider
- Your interest rate and repayments may increase or decrease during the term
Our variable rates
Interest rate range from to disclaimer
Comparison rate range to disclaimer
The better your credit score, the better your personalised rate (if approved).disclaimer
The interest rate range shows the minimum and maximum interest rate that may apply. Your personalised interest rate will be confirmed in your Letter of Offer (if approved).
Apply for a new ANZ Personal Loan of $10,000 or more and you could get $500 cashback.disclaimer
Limited to one cashback offer per loan per customer within an 18 month period. ANZ’s eligibility and credit assessment criteria, T&Cs, fees and charges apply.disclaimer
Hot tip! Don’t forget to insure your green machines
Whether it’s a hybrid or electric vehicle, or solar panels and a battery for the home, don’t forget to contact your insurer and add your new purchase to your insurance policy.
Financing sustainability
We want to be the leading Australian and New Zealand-based bank in supporting customers' transition to net zero emissions by 2050.
To this end, we’ve set a target to fund and facilitate at least A$100 billion by the end of 2030 towards improving social and environmental outcomes for our customers.
This includes initiatives that help lower carbon emissions, protect nature and biodiversity, increase access to affordable housing and promote financial wellbeing.disclaimer
We joined the Net-Zero Banking Alliance in 2021. Our Climate Change Commitment provides the framework to achieve our strategy of transitioning our lending to net zero in line with the goals of the Paris Agreement.
General
ANZ Fixed Rate Personal Loan
Loan Approval Fee |
$150 |
Loan Administration Charge |
$10 per month, debited every three months until the loan is closed in ANZ systems. |
Early repayment charges |
Early Repayment Costs may apply if you make early or additional repayments, see Early Repayment Charges (PDF) and ANZ Consumer Lending Terms and Conditions booklet (PDF) for further information. |
Late Repayment Fee |
$20 will be charged if your repayment is five days late or more. A further $20 will be charged monthly until repayments are up to date |
ANZ Variable Rate Personal Loan
Hybrid or electric car
Energy efficient purchases
Applying for a personal loan
Any information provided is general in nature and does not take into account your personal needs, financial circumstances or objectives and you should consider whether it is appropriate for you. ANZ recommends you read the applicable Terms and Conditions booklets and the ANZ Financial Services Guide before deciding whether to acquire, or continue to hold, a particular product.
All applications for credit are subject to ANZ’s credit assessment criteria. Terms and conditions are available on application. Fees and charges apply. Australian credit licence number 234527.
Cashback offer available to customers who apply for (1) a new ANZ Personal Loan of $10,000 or more or (2) an ANZ Personal Loan increase with a total loan amount of $10,000 or more, between May 15 2024 and August 15 2024. This offer may be withdrawn or changed at any time without notice. The loan must be approved, and the funds drawn down to be eligible for the cashback offer. There is a limit of one $500 cashback offer per eligible customer within an 18-month period. The cashback payment will be paid within 120 days of drawdown into the transaction account which the loan funds are disbursed into. The transaction account must be in the same name as the loan account. For joint applications, only one cashback payment will be paid in total for the application and will be paid to the first listed applicant. For joint applications, the account for funds disbursements must include the name of the first listed applicant. Applications for a joint ANZ Personal Loan or an increase of a joint ANZ Personal Loan may only be made in branch. If a customer closes their ANZ Personal Loan account or transaction account before the cashback payment is paid, they will become ineligible for this offer. Applications for credit are subject to ANZ’s eligibility and credit assessment criteria. If you have any questions about the tax treatment of the cashback offer, please discuss with a tax agent or the Australian Tax Office.
ReturnApplications must be submitted at an ANZ branch, and approved before noon Monday to Friday (AEST), and customers must have approved funds deposited into an existing ANZ everyday account. For a full list of eligible ANZ everyday accounts, please contact us on 1800 801 485 between 8am to 6pm (AEST) weekdays.
ReturnThe ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super, Shares and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS (PDF) and here for Android (PDF) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.
ANZ App for Android is only available on Google Play™. ANZ App for iPhone is only available from the App Store.
ReturnWe tailor your interest rate based on our assessment of your credit score. Where you have demonstrated good credit based behaviour, such as not opening too many credit products or making repayments on time for your other credit products, this will be reflected in your credit score and you may be offered a rate in the lower end of our range. Where your credit history isn’t as long, or as good, or you have made many applications in a short period of time, this may negatively impact your credit score and you may be offered a rate at the higher end of the range.
ReturnFixed rate personal loans aren’t for everyone and early repayment fees and charges, which may be significant, may apply if you make early or additional repayments or repay your loan early. Refer to Early Repayment Charges (PDF) and ANZ Consumer Lending Terms and Conditions booklet (PDF).
ReturnInterest rates as at and are subject to change. These interest rates may be withdrawn or changed at any time without notice and may not be available in conjunction with any other offers, packages, or promotions.
ReturnThese comparison rates are based on a $30,000 Personal Loan for a five year term. The rates are applicable for unsecured loans only.
WARNING: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates.
Terms and Conditions and eligibility criteria apply to ANZ Redraw. For further information on ANZ Redraw please refer to the ANZ Consumer Lending Terms and Conditions (PDF).
Return